Makore mangani ndingawana rendi?
Usanetseka nemukweretesi. Mutemo mumwe chete wechigunwe unoshanda, zvisinei nezera : Chero bedzi mari yako yembavha isingapfuuri 45% yemari yako yakawandisa, unofanirwa kuiwana. Uye sezvo Social Security nemari yemudyandigere -- iyo yekupedzisira kusvika kumubatanidzwa garandi yemadhora zviuru zvina nemazana matanhatu nemakumi mana neshanu pamwedzi muna 4653,41 -- chiri chinhu chiri padyo kuchinhu chechokwadi mazuva ano, mukweretesi anofanira kunge akasununguka. kupera kamwe kamwe chero nguva.
Zvinongoitikawo kuti ndinogona kunge ndiri mumamiriro ezvinhu akafanana. Mudzimai wangu neni takanga tine 7/1 mortgage iyo yakagadzirisa mubereko wemakore manomwe ndokuzotamira kune inochinja-chinja, iyo yatiri ikozvino. Saka tanga tichifunga nezvekuchinja kune 30 gore rakagadziriswa. Kutaura chokwadi, zera rakanga risati ramboitika kwandiri, asi ndinofunga kuti zvinogona kunge zvakakonzerwa nekuzvipira kwangu kusakura.
Pandinofunga dzimwe nzira dzembavha, chikuru ndechekuti tinoronga kugara kwenguva yakareba sei mumba medu. Ndosaka ndisati ndanyorera yemakore makumi matatu yakagadziriswa refinance kune ingangoita madhora mazana matatu ezviuru asara pachikwereti chedu.
Ndingawana here 30-year mortgage nemakore makumi mana?
Kubva pakutanga, mhinduro ndeyekuti hongu, unogona kuwana chikwereti kubva pazera re40. Zvisinei, izvi zvinoenderana nemamiriro ako ezvinhu. Mune mamwe mamiriro ezvinhu, kana nguva yekutora chikwereti chako ichipfuura zera rako rekurega basa, unogona kukumbirwa kuti upe chiyero chemari yako yepenjeni kumukweretesi wako. Mumakore maviri adarika, apo takabata nevatengi vane makore ari pakati pe45 ne54 vane zvikumbiro zvakarambwa, chikonzero chekurambwa kwave zera.
Kare, pawaienda kukambani inokweretesa imba kuti unyorere chikwereti, ungangove uine nguva yekuonana nemaneja webazi kana mubatsiri wemari. Izvi zvaive pamberi pekombuta yekiredhiti scoring uye mirau yatinoziva nhasi. Muchisarudzo chekubvumirwa kwechikumbiro chako, vatungamiri vakatarisa mamiriro ako ega, somuenzaniso, mukutonga kweakaunti yako yazvino. Kana vakasarudza kubvuma chikumbiro chako, vakakuzivisa nezvemari yawaigona kukwereta. Iyi mihoro yakawanda haitore zera munhoroondo, saka unogona kukumbira mari imwechete kana wanga uri mumakumi matatu kana makumi mashanu. Kunyangwe izvi zvichiita sezvakanaka, tomboti vese vanyoreri vachaenda pamudyandigere vaine makore makumi matanhatu nemashanu, izvi zvingave nemhedzisiro yakasiyana kune vese vari vaviri. Ngatitarisei muenzaniso uyu wekushandisa 30 mortgage (mukuru uye mubereko) ine mubereko wekufarira we50%.
Ndingawana here 35 yemakore mortgage pa40?
* Mareti anovandudzwa kazhinji uye anogona kuchinja pasina chiziviso. Chiyero chako chaicho chakavakirwa pamhando yechikwereti chako, kubhadhara kwakaderera, nguva yechikwereti uye mari yakabhadharwa. Nguva yekuvhara ndeye 4:00 PM EDT. Chero zvikumbiro zveblock zvakagamuchirwa mushure me4:00 PM EDT zvichave pasi pemitengo inotumirwa mangwana. Mari yemhindu inoratidzwa yakavakirwa pachikwereti che$200.00, imba yemhuri imwe chete sepokutangira pekugara, kukiyiwa kwemazuva makumi mana nemashanu (yekutenga), kukiyiwa kwemazuva makumi matanhatu (yekubhadhara mari), chikwereti che45 uye chikwereti. -ku-value ratio ye60%. Mapoinzi ekuderedzwa anogona kushanda. Matemo nemamiriro ezvinhu anogona kuchinja chero nguva pasina chiziviso.
Zvikwereti zviri pasi pekukodzera kwenhengo yemubatanidzwa, kubvumidzwa kwechikwereti, uye kusimbiswa kweruzivo rwunopihwa pachikumbiro. Matemo nemamiriro ezvinhu anogona kuchinja chero nguva pasina chiziviso.
Ndingawana here 30-year mortgage pazera re55?
Sezvo iyo Mortgage Market Ongororo (MMR) yakaunzwa muna 2014, kunyorera remba kunogona kuomera vamwe: vanokweretesa vanofanirwa kuongorora kugona uye kurangarira zvinhu zvakati wandei, kusanganisira zera.
Chinangwa ndechekuona kuti vanhu vari kuenda pamudyandigere havana zvikwereti zvisingabhadhare pavari. Sezvo mihoro yevanhu ichidzikira kana vangomira kushanda votora penjeni yavo, Risk Management Regulations inokurudzira vanokweretesa nevanokwereta kuti vabhadhare zvikwereti izvi zvisati zvaitika. Nekudaro, izvi hazvigoneke nguva dzose kana zvinoshanda kumunhu wese, uye vamwe vanokweretesa vakawedzera izvi nekuisa miganho yezera rekubhadhara remba. Kazhinji, miganho yezera iyi i70 kana 75, zvichisiya vakwereta vakawanda vakura vaine sarudzo shoma.
Yechipiri mhedzisiro yeiyi miganho yezera ndeyekuti mazwi akapfupikiswa, ndiko kuti, anofanirwa kubhadharwa nekukurumidza. Uye izvi zvinoreva kuti mari dzepamwedzi dzakakwirira, izvo zvinogona kuita kuti dzisakwanise. Izvi zvakakonzera kupomerwa kwekusarura kwezera, zvisinei nezvinangwa zvakanaka zveRMM.
Muna Chivabvu 2018, Aldermore akatanga imba yemba yaunogona kuva nezera rinosvika makumi mapfumbamwe nemapfumbamwe #JusticeFor99yearoldmortgagepayers. Mwedzi mumwe chetewo, Sosaiti Yokuvaka Mhuri yakawedzera zera rayo guru pakupera kwetemu yacho kusvikira kumakore 100. Vamwe, kunyanya makambani ekukweretesa, vakabvisa zvachose zera repamusoro. Nekudaro, vamwe vanokweretesa mumigwagwa vakakwirira vachiri kusimbirira pazera remakumi manomwe kana makumi manomwe neshanu, asi iko zvino kwave kushanduka kune vakwereta vakura, sezvo Nyika yese neHalifax vakawedzera miganho yezera kusvika makumi masere.
